Just received the court information from the nursery, unfortunately it was sent to my old address, so the date i needed to reply by has past. In addition to this i still haven't had any response from the nursery on the subject access request. Can anyone please help?

I don't have any copy of their terms and conditions. It may well have been on the heaps of forms i signed on the first settling-in day. Is there any way i can legally request for copies of those forms? If so, would my request be in form of a subject access request? Will they be legally bound to supply me with this information?

Can anyone help please? I recently called a nursery to see if they had any available space. I was asked to pay 50 registation fee, which i did. I received a response from the nursery asking for a month's payment in advance to secure the place. I refused to pay this, as all this was happeing over the phone as i was relocating from one part of the Uk to another and at this point was basing my decision to go with this nursery on ofstead report and proximity to where i will be living. I needed to see the nursey myself, which would be about 2months later when we re-allocated. The nursery said, this meant they cannot guarantee the place and i was ok with that. The nursery also requires a 3 days settling-in period / trial period for the child. When i arrived on my Son's first settling in day, i was asked to pay a months notice before settling-in can commence and fill and sign a bunch of form, over 20 forms. I sincerely didn't pay too much attention of the forms as there were a lot of them. I gave them a cheque, but on both my son's first and second day, he was extremely unhappy, which was unlike him, considering he has been going to nursery and different childcare places for over 2yrs. I also noticed on his first day (i had to spend an hr there as he wouldn't settle), cases of kids smacking eachother not been handled well and the garden area seems unchild friendly and a few other things that made me unconfortable. The mere mention of nursery time got my son screaming, this was odd as he normally enjoyed nursery a lot. After day2 of settling-in, I immediately notified the nursery that as his settling-in hasn't gone so well, that he will not be starting the next day as scheduled. Only to be told that i will need to pay a six week payment (1312 pounds). I immediately cancelled the cheque and asked them to bill me for the settling-in days instead . They refused and are still chasing for payment and threaten to take it to court. Any advice will be appreciated, where do i stand legally?

I was wondering if anyone is very clued on, with the consumer credit early settlement reg 2004 pls? So they could cast an eye on the settlement figure calclation i received pls. Something doesn't seem right about it.

Spot on T2. They really are a miserable company to deal with....no regards whatsoever for reglations from my experience with them. Surely it doesn't take 3mths to reply a simple letter..... I had no knowledge of any of these things before, but dealing with welcome, i had to learn quick...

hi ida, i have done that all the way through: two copies of each letter is sent everytime by recorded delivery, one to headoffice, one to branch. I am however looking for some confirmation on my thoughts on settlement fig. as all i know is based on my personal research so far. Welcome really is a nightmare of a company to deal with.

I have let these people drag this on for so long due to been pregnant and not having the energy to take this to court at the time, but having given birth 2wks ago, Welcome here i come... At the moment logged the query with OFT, but welcome still keeps harrasing me for money, yet not dealing with my query. I have been requesting for a settlement figure from Welcome since January and they seem to either completely ignore my letters or take 2-3months to reply. I had notified Welcome In january that i would like to settle my account by 31/03/09 before going on maternity leave. And due to never receiving any statement from them since the beginning of the loan, i had no idea of the loan balalnce. i chased for a statement from Jan, followed by SAR request due to no response from welcome. Finally received a statement and SAR request 3mths later. Still chasing for settlement figure, finally received one in April, but queried the fact that no early settlement interest rebate had been deducted (Response received 3days ago (3mths later) despite consumer credit 2004 reg.. stating that it is a criminal offence not to reply in 7days any qery on settlement figure). Their calclation was a case of full loan amount as per agreement(2500) + Acceptance fee(75)+total charge for credit as per agreement (2159.36). All adding up to 4734.36. All they did was deduct payment to date from 4734.36. In other words, despite settling early, i am still paying the loan interest in full to the last day. Despite 2004 consumer credit reg. saying otherwise. Please can anyone who has good knowledge of this help me out here please..... Other Issues: Settlement figure to be backdated to 31/03/03, as i don't believe i should be subject to more interest due to welcomes delay tactics and inability to respond to customers letters. Any further interest or charges that might have been applied to my account since the 31.03.09 to be taken off. All penalty charges from the start of the loan to 31.03.09 to be taken off (110). As these are disproportionately high and therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that your charges are a Penalty. Penalty charges are irrecoverable at common law. - I am not too fussed about this one though.... All expenses and incurred & distress suffered during late preganancy due to welcome's incompetence. Welcome has failed every step of the way to follw regulations by either completely ignoring my letters, SAR reqeuest, settlement figure, settlement fig query, etc in accordance with consumer credit act and other related regulations Any adverse info filed on my credit file due to welcomes incompetence in supplying settlement figure be removed.

I have let these people drag this on for so long due to been pregnant and not having the energy to take this to court at the time, but having given birth 2wks ago, Welcome here i come... At the moment logged the query with OFT, but welcome still keeps harrasing me for money, yet not dealing with my query. I have been requesting for a settlement figure from Welcome since January and they seem to either completely ignore my letters or take 2-3months to reply. I had notified Welcome In january that i would like to settle my account by 31/03/09 before going on maternity leave. And due to never receiving any statement from them since the beginning of the loan, i had no idea of the loan balalnce. i chased for a statement from Jan, followed by SAR request due to no response from welcome. Finally received a statement and SAR request 3mths later. Still chasing for settlement figure, finally received one in April, but queried the fact that no early settlement interest rebate had been deducted (Response received 3days ago (3mths later) despite consumer credit 2004 reg.. stating that it is a criminal offence not to reply in 7days any qery on settlement figure). Their calclation was a case of full loan amount as per agreement(2500) + Acceptance fee(75)+total charge for credit as per agreement (2159.36). All adding up to 4734.36. All they did was deduct payment to date from 4734.36. In other words, despite settling early, i am still paying the loan interest in full to the last day. Despite 2004 consumer credit reg. saying otherwise. Please can anyone who has good knowledge of this help me out here please..... Other Issues: Settlement figure to be backdated to 31/03/03, as i don't believe i should be subject to more interest due to welcomes delay tactics and inability to respond to customers letters. Any further interest or charges that might have been applied to my account since the 31.03.09 to be taken off. All penalty charges from the start of the loan to 31.03.09 to be taken off (110). As these are disproportionately high and therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that your charges are a Penalty. Penalty charges are irrecoverable at common law. - I am not too fussed about this one though.... All expenses and incurred & distress suffered during late preganancy due to welcome's incompetence. Welcome has failed every step of the way to follw regulations by either completely ignoring my letters, SAR reqeuest, settlement figure, settlement fig query, etc in accordance with consumer credit act and other related regulations Any adverse info filed on my credit file due to welcomes incompetence in supplying settlement figure be removed.

I have let these people drag this on for so long due to been pregnant and not having the energy to take this to court at the time, but having given birth 2wks ago, Welcome here i come... At the moment logged the query with OFT, but welcome still keeps harrasing me for money, yet not dealing with my query. I have been requesting for a settlement figure from Welcome since January and they seem to either completely ignore my letters or take 2-3months to reply. I had notified Welcome In january that i would like to settle my account by 31/03/09 before going on maternity leave. And due to never receiving any statement from them since the beginning of the loan, i had no idea of the loan balalnce. i chased for a statement from Jan, followed by SAR request due to no response from welcome. Finally received a statement and SAR request 3mths later. Still chasing for settlement figure, finally received one in April, but queried the fact that no early settlement interest rebate had been deducted (Response received 3days ago (3mths later) despite consumer credit 2004 reg.. stating that it is a criminal offence not to reply in 7days any qery on settlement figure). Their calclation was a case of full loan amount as per agreement(2500) + Acceptance fee(75)+total charge for credit as per agreement (2159.36). All adding up to 4734.36. All they did was deduct payment to date from 4734.36. In other words, despite settling early, i am still paying the loan interest in full to the last day. Despite 2004 consumer credit reg. saying otherwise. Please can anyone who has good knowledge of this help me out here please..... Other Issues: Settlement figure to be backdated to 31/03/03, as i don't believe i should be subject to more interest due to welcomes delay tactics and inability to respond to customers letters. Any further interest or charges that might have been applied to my account since the 31.03.09 to be taken off. All penalty charges from the start of the loan to 31.03.09 to be taken off (110). As these are disproportionately high and therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that your charges are a Penalty. Penalty charges are irrecoverable at common law. - I am not too fussed about this one though.... All expenses and incurred & distress suffered during late preganancy due to welcome's incompetence. Welcome has failed every step of the way to follw regulations by either completely ignoring my letters, SAR reqeuest, settlement figure, settlement fig query, etc in accordance with consumer credit act and other related regulations Any adverse info filed on my credit file due to welcomes incompetence in supplying settlement figure be removed.

I have let these people drag this on for so long due to been pregnant and not having the energy to take this to court at the time, but having given birth 2wks ago, Welcome here i come... At the moment logged the query with OFT, but welcome still keeps harrasing me for money, yet not dealing with my query. I have been requesting for a settlement figure from Welcome since January and they seem to either completely ignore my letters or take 2-3months to reply. I had notified Welcome In january that i would like to settle my account by 31/03/09 before going on maternity leave. And due to never receiving any statement from them since the beginning of the loan, i had no idea of the loan balalnce. i chased for a statement from Jan, followed by SAR request due to no response from welcome. Finally received a statement and SAR request 3mths later. Still chasing for settlement figure, finally received one in April, but queried the fact that no early settlement interest rebate had been deducted (Response received 3days ago (3mths later) despite consumer credit 2004 reg.. stating that it is a criminal offence not to reply in 7days any qery on settlement figure). Their calclation was a case of full loan amount as per agreement(2500) + Acceptance fee(75)+total charge for credit as per agreement (2159.36). All adding up to 4734.36. All they did was deduct payment to date from 4734.36. In other words, despite settling early, i am still paying the loan interest in full to the last day. Despite 2004 consumer credit reg. saying otherwise. Please can anyone who has good knowledge of this help me out here please..... Other Issues: Settlement figure to be backdated to 31/03/03, as i don't believe i should be subject to more interest due to welcomes delay tactics and inability to respond to customers letters. Any further interest or charges that might have been applied to my account since the 31.03.09 to be taken off. All penalty charges from the start of the loan to 31.03.09 to be taken off (110). As these are disproportionately high and therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that your charges are a Penalty. Penalty charges are irrecoverable at common law. - I am not too fussed about this one though.... All expenses and incurred & distress suffered during late preganancy due to welcome's incompetence. Welcome has failed every step of the way to follw regulations by either completely ignoring my letters, SAR reqeuest, settlement figure, settlement fig query, etc in accordance with consumer credit act and other related regulations Any adverse info filed on my credit file due to welcomes incompetence in supplying settlement figure be removed.

Any info on how you got your resolved would be appreciated.... wanted to clear all my debt before going on maternity leave for fear of money been tight on maternity pay... welcome is now the only company i still owe and i wish i didn't....never ever received a statement in the 2yrs i'd been with them, even to get that took 4months and was a tog of war...

Markiemark, u seem to have been in about the same situation as i am. I have been chasing for a settlement figure since january...... What i find hard to understand is why they are dragging their feet on it.. surely they need the money..

already logged a complaint with the information commissioner and FOS. but from the last conversation i had on the phone with them, they do have months of backlog... And my problem is that the more this drags on, the more interest i incur. Complaint detail: Request for early settlement figure in Jan 2009. didn't receive this till yesterday, legally they have seven days to respond, so i think the settlement calc should be backdated to Jan, as i should't be paying 3months more worth of interest (59.39apr) due to welcoms in ability to supply settlement figure. Settlement figure calculated wrongly usig rule 78 (loan taken in 2007). No interest rebate deduction taken into account on the figure supplied.. They basically deducted the total (loan+chg for credit) from payment to date. No response SAR And finally charges reclaim

sent it to welcome finance on the 15.01.09. well over 40days... thinking of using moneyclaim with my mum's london address... And they are still chasing, not only that they have also failed to supply an early settlement figure also requested for in jan... and the interest on this loan is enormous... so every day of incuring more interest counts... i had sent them a 7days to action letter, of which i'm now drafting the court documents...just need to clear up the question above to know how best to proceed.

Thanks

I must ask is it a case that welcome employees are just incompetent or stupid. after sending them letter before action on monday, which they received on Tuesday, as i'll be suing them for non-compliance on SAR amongst other things. How quickly i got a response from them today.... ''we confirm the receipts of ur SAR request received on 01.04.09 (lie'g pricks.. it was sent on 13.02.09 by special delivery). Can someone tell me how on earth they managed to cash the cheque on 10.03.09, if they only received th SAR request in April.. are these people kidd'g me...

Not that clued in on this... so pls take my advice with a pinch of salt, as it is purely based on personal experience. But i wouldn't think signing a new agreement with these sharks to be a good idea, as it might be best to get shot of them sooner than later... their buz.. tactics is to drive you deeper and deeper into debt with them... Also it could be worth checking ur current agreemement to make sure all is well with it. With regards to them not complying fully with SAR request, you can either report it to the info commisioner (takes some month due to back log) or take it to court. It might also buy you some time in the mean time to sort your finance out.

Thank you

Any one know if it i can sue for non-compliance on Subject Access Request request in scotland. Lent this only can be done in england and i might be best doing it through the moneyclaim (covered by english law)? Can anyone confirm this for sure pls...

They really are a miserable excuse for a company and very incompetent cows... exactly how hard is it to respond to your customers... every step of the way in fighting them.. i get even more p'd off... Hang in there, don't let them reap you off... i sure am taking it to the end... filing court docs. next wed.. dragging my 7mths preg tummy there, even if it takes every energy in my body...

Any one know if it i can sue for non-compliance on SAR request in scotland. Lent this only can be done in england and i might be best doing it through the moneyclaim (covered by english law)? Can anyone confirm this for sure pls...

Many thanks -letter before action sent off today. Any idea if i'll be better off logging this in a court in scotland or use money claim online (which i believe is governed by english law). not sure of how true it is, but heard from someone that non-complainace on sar cannot be taken to court in scotland? I actually live in scotland at the mo... but only just moved here from england 2yrs ago.

spoke to the info commissioner and they advised that it might be quicker for me to go through the court applying for a court order under section 7, i believe, as they have 10mnths backlog. what she couldn't tell me was whether this can be done in scotland as well as england

Help on how best to fill details of claim section will be greatly appreciated pls... newbie Summary of my issues with welcome: Non compliance on Subject access request about 60days ago, although cheque now cashed. Requested for an early settlement fig in Jan, got told it over the phone disputed the amount and request for breakdown and nothing received to date. Requestig for a freezy on interest and refund on interest from Jan to date, as these have been suffered due to welcomes inability to produce a statement and early settlement figure. Welcome claims the reason for the high settlement figure is due to missed payment, i can proof that i haven't missed any payment, a few late payments, but no missed payment. Have never received a statement of account from welcome despite requesting for one over and over. claiming any charges on the account - not sure of amount (again never received a statement or SAR request). These thiefs has put a default on my credit file!!! want this removed, never received a letter to this effect and i don't believe i've ever missed a payment according to my bank record, a few late one, but non-missed. Finally interest charged on acceptance fee

Sorry to sound dim... but why can't i go down the court route in scotland pls? heard about applying County Court for an order to enforce compliance, together with damages at the discretion of the court. does this only apply in england?